Older Canadian homeowners are dealing with a holiday hangover as they struggle to pay bills wrung up during the festive season, according to a new poll.

A little more than half (52%) of homeowners, ages 55 and up, say they’re “concerned” or “overwhelmed” by post-holiday debt, says the poll from Bloom Finance and Angus Reid.

Another 37% say they feel concerned, but it is manageable, while another 15% say they feel overwhelmed and stressed.

“Entering 2025, Canadian seniors are facing tough financial choices as the cost of living continues to rise,” said Ben McCabe, founder and CEO of Bloom Finance.
“Many have already had to adjust their lifestyles and spending habits, and our survey highlights just how difficult it’s become to maintain financial balance.”

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The poll findings indicate that last year’s flurry of interest rate cuts were not enough to help older Canadians cope with increased living costs.
Just under half (45%) of poll respondents indicated holiday-related spending will have an impact on their January finances.

The poll also found:

— 25% of respondents say the rising cost of living has made it much harder to manage holiday-related expenses this year, while  41% felt it slightly harder to cover holiday bills.

— In order to manage holiday-related bills, 28% of respondents say they’ll cut back on such things as eating out and entertainment, and 20% will use personal savings to pay their bills.

— Just over half (51%) say personal savings was their primary method of funding holiday expenses this year, followed by 39% who used credit cards.

— 32% of respondents say they spent between $1001-$2500 on holiday shopping this past season.

Conducted Jan. 6-19, a probability sample of this size — an online poll of 515 respondents — has a margin of error of 4.3%, 19 times out of 20.